Compare 3 levels of pet insurance and cover up to $11,000 in veterinary bills with RSPCA.
Because each pet owner has different needs and wants when it comes to looking after their furry friend, RSPCA Pet Insurance offers three different cover options. These plans are the Basic Accident Only Cover plan, the Economy Accident & Illness Cover plan and the Ultimate Accident & Illness Cover plan. Each cover option provides a different level of cover so that customers can find a policy that suits both their cover needs and their budget. To top it all off, a portion of your premiums go to the RSPCA to support them in helping other Australian animals.
Read on to learn about your policy options.
Ready to compare RSPCA Pet Insurance policies?
What makes RSPCA Pet Insurance different?
- Accident and illness policies have an annual benefit cap of $11,000. This is higher than the usual $10,000 cap that many other policies sport.
- All RSPCA policies feature no excess. This means that all of your claim reimbursement is going straight to your hip-pocket.
- A portion of your premiums go to support for the RSPCA, helping them take care of vulnerable pups and kittens.
How do policy features compare?
For a better idea of the exact protection offered under each plan, compare features in the table of benefits below:
|What’s covered?||RSPCA Ultimate Accident & Illness Cover||RSPCA Economy Accident & Illness Cover||RSPCA Basic Accident Only Cover|
|Age of pets|
|Maximum yearly benefit amount|
|Cover for accidents|
|Cover for illnesses|
|Routine care benefit|
|Overall annual claim maximum|
|Yearly paralysis tick benefit|
|Emergency boarding fees when you’re hospitalised for five or more consecutive days during the policy period|
What cover options does RSPCA offer?
RSPCA Basic Accident Only Cover
As the name suggests, RSPCA Pet Insurance Accidental Injury Cover steps in to help cover your vet bills when your cat or dog suffers an accidental injury. Your policy will cover up to 80% of eligible vet treatment bills to ensure that you can give your pet the best* possible care.
RSPCA Pet Insurance Accidental Injury Cover will pay a benefit when your pet suffers an injury as a direct result of:
- a motor vehicle incident
- being burned or electrocuted
- an allergic reaction to an insect bite, excluding flea and tick bites
- a bone fracture
- snake bite toxicity
- a traumatic ligament or tendon injury
- a bite wound or abscesses from fight wounds
- lacerations or abrasions of tissue, skin or mucous membrane caused by external violence.
However, there are a range of injuries for which a benefit will not be paid. These include pre-existing conditions, patella luxations, elbow dysplasia, fractures teeth, toxicity and intervertebral disc disease. If you're concerned, ensure you the PDS for a full list of exclusions.
RSPCA Economy Accident & Illness Cover
Under RSPCA’s Illness Cover, your policy will cover up to 75% of your vet bills when your pet receives treatment for a range of accidents and illnesses. These include cancer, hereditary problems, skin conditions and many more. Pre-existing conditions are generally excluded. If you're concerned about whether your pet is eligible, ensure you read the exclusions outlined in the PDS in detail.
RSPCA Ultimate Accident & Illness Cover
RSPCA's Ultimate Accident & Illness is the most comprehensive cover option for your furry friend. It covers up to 80% of your vet bills when your pet receives treatment for a range of illnesses and accidents. For extra protection, you also have to option to take out added routine care cover. However some exclusions do apply. These include:
- illnesses that arise from pre-existing conditions or that occur during the waiting period
- illnesses for which there is a known vaccination. For dogs this list includes kennel cough, parvovirus, canine hepatitis, canine distemper and parainfluenza. For cats this includes cancer, hereditary problems, skin conditions, calicivirus, herpes, cat flu, Feline Immuno Deficiency Virus and Feline Infectious Peritonitis
- any pandemic that causes widespread illness
- more than one occurrence of swallowing a foreign object that results in a blockage or obstruction that requires either surgical or endoscopic removal.
Other benefits of RSPCA's Pet Insurance
RSPCA's Pet Insurance has a range of other benefits at no added cost. These include:
- Emergency Boarding. If you are the sole carer of your pet and you are hospitalised for more than five consecutive days, your policy will cover the cost of boarding your pet at a licensed kennel or cattery. However, you won’t be covered if you are hospitalised due to pregnancy, cosmetic surgery or a pre-existing condition.
- Essential Euthanasia. If your vet deems that it is a humane and essential course of action to have your pet put down, the cost involved will be covered by your insurance policy. Non-essential euthanasia and the burial or cremation of your pet are not covered.
- Paralysis Tick Benefit. If your pet requires treatment for tick paralysis, the cost of this will be covered by your policy up to the benefit limit. However, keep in mind that tick preventative treatments are not included in your policy.
- Pet Overseas Travel Insurance. If your pet is travelling abroad with you and requires treatment while overseas, your RSPCA Pet Insurance policy can provide cover for the resulting vet expenses. However, you won’t be covered if your pet will be outside Australia for more than 60 consecutive days.
What additional cover options are there?
If you’d like to take out an increased level of cover for your furry friend, the routine care option may offer the protection you desire. Designed to promote responsible pet ownership, this benefit is designed to help you cover the cost of routine preventative healthcare treatments for your pet. This includes:
- $15 a year for heartworm test or blood screen
- FeLV/FIV test or urinalysis – $15 a year
- a $50 annual benefit for one of the following routine treatments: desexing, microchipping, preventative heartworm medication, teeth cleaning, vaccinations, dewclaw removal, council registration fees, prescription diets, alternative therapies, health checks.
Every dog lover wants to give their pooch the best possible care and veterinary treatment — when you consider all the love and joy they bring into our lives, it really is the least we can do. With an RSPCA Dog Insurance policy in place, you won’t have to compromise when it comes to giving your dog the treatment they need.
With RSPCA Pet Insurance, you can take out cover for up to 80% of your pet’s eligible vet bills, up to an annual limit of $11,000. This means you won’t have to think twice when it comes to choosing a treatment option for your four-legged friend.
Once your dog is insured, you can continue to renew coverage for the rest of their life. There’s also a 10% discount when you insure more than one pet and RSPCA Pet Insurance prides itself on providing a fast and stress-free claims process.
RSPCA offers three different policies to suit a range of needs.
RSPCA Basic Accident Only Cover
If you want basic cover for those worst case scenario injuries that could end up costing you thousands, Basic Accident Only Cover can provide the protection you need.
RSPCA Economy Accident & Illness Cover
If you want to protect your wallet against the costs involved when your dog suffers an illness, RSPCA Economy Accident & Illness Cover offers more comprehensive coverage for your pooch.
RSPCA Ultimate Accident & Illness Cover
If you want to give your pet the best protection possible, the Ultimate plan offers their most comprehensive coverage and the option of a routine care benefit, which helps you take care of things like heartworm tests, desexing and microchipping.
Though it’s often said that cats always land on their feet, this isn’t necessarily true. Illness and injury can wreak havoc on your kitty's health, which can result in some significant damage to your hip pocket. But if you have RSPCA Cat Insurance, you’ll be able to enjoy much-needed financial protection and the freedom to give your pet the best possible care.
You are able to take your cat to any licensed vet within Australia for treatment, while there’s a 10% discount available when you insure more than one pet. The claims process is quick and stress-free, and a portion of your premiums go to the RSPCA to help them provide protection for all creatures great and small across Australia.
- Choice. You can choose from three cover options to suit your needs and budget.
- Cover. Get back up to 80% of your eligible vet bills.
- Maximum Benefit. An annual benefit limit of $11,000 will help you take care of the expensive cost of treatment, while the fact that you don’t have to pay an excess helps keep more money in your pocket.
What exclusions are there?
Just like any other insurance policy, RSPCA Pet Insurance contains a list of general exclusions. Your claim will not be paid if it is a result of:
- any pre-existing conditions
- dental procedures, dental diseases, teeth fractures, gingivitis and teeth cleaning
- the cost of pet food, regardless of whether it is regular food or a prescription diet
- vitamin and mineral supplements
- preventative veterinary procedures, such as vaccinations, anal gland expression and parasite control
- grooming and bathing of your dog or cat
- accessories for your pet, such as crates, bowls, bedding and collars
- the cost of training, socialisation and any therapy for your pet. Alternative therapies are also not covered
- treatment while your pet is used for commercial or occupational purposes, such as racing or law enforcement. Guide Dogs and assistance Dogs are exempt from this exclusion
- treatment for behaviour problems such as anxiety disorders and phobias
- cell-replacement therapies
- medication that is not approved or listed by the APVMA (Australian Pesticides and Veterinary Medication Authority)
- you deciding to pursue a course of treatment other than that recommended by your vet
- breeding or obstetrics
- ambulance fees and non-essential hospitalisation
- house calls from your vet except in emergency situations
- organ transplant surgery or prosthetic limbs
- routine examinations, hip and elbow scoring, elective treatments
- a malicious act or deliberate injury caused by you
- your failure to take all reasonable steps to protect your pet.
Ensure you read the PDS in detail if you are concerned about any exclusions.
RSPCA Pet Insurance FAQs
Do I need pet insurance?
This will depend on your personal feelings and how likely you are to be able to afford expensive vet bills. If you want to give your pet the best possible care and never want to have to compromise on treatment, consider taking out cover.
How much of my vet bills are covered?
Under Basic Accident Only Cover and Ultimate Accident & Illness Cover, 80% of your eligible vet bills will be covered This figure drops to 75% under Economy Accident & Illness Cover.
Will I have to pay an excess?
No, there is no excess you will have to pay when making a claim. However, you should be aware that each claim will pay up to the maximum percentage for each eligible vet bill.
Can I take out lifelong cover for my pet?
Yes. Once you take out cover you are able to continue insuring your pet for life. Illness Cover can be applied for if your pet is aged between eight weeks and nine years, while there is no upper age limit when it comes to Accidental Injury Cover.
* The offers compared on this page are chosen from a range of products finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.
* - Pre-existing conditions are excluded and sub-limits may apply.